For the quarter ending 2025-09-30, CHMG had -$212,405K decrease in cash & cash equivalents over the period. $11,840K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 7,792 | -429 |
| (increases in) amortization of right-of-use assets | 196 | 307 |
| Provision (credit) for credit losses | 1,064 | 2,237 |
| Gain on disposal of fixed assets, net | 22 | 616 |
| Depreciation and amortization of fixed assets | 461 | 941 |
| Amortization of premiums on securities, net | -179 | -1,097 |
| (gains) on sales of loans held for sale, net | 78 | 91 |
| Proceeds from sales of loans held for sale | 4,439 | 4,842 |
| Loans originated and held for sale | 5,224 | 6,963 |
| Losses on sale of other real estate owned, net | 0 | -8 |
| Fair value adjustment on other real estate owned | 0 | - |
| Change in fair value of equity investments, net | 136 | 61 |
| Losses on securities transactions, net | 0 | -17,498 |
| Proceeds from sales of equity investments | 0 | 88 |
| Purchase of equity investments | 93 | 179 |
| Amortization of deferred costs on subordinated debt | 26 | 4 |
| Decrease (increase) in other assets and accrued interest receivable | -3,066 | 393 |
| (decrease) increase in accrued interest payable | -1,435 | -69 |
| Expense related to restricted stock units for directors' deferred compensation plan | 6 | 11 |
| Expense related to employee restricted stock awards | 339 | 641 |
| Increases in (payments on) operating lease liabilities | 195 | 310 |
| (gains) losses on interest rate swaps, net | -2 | -66 |
| Increase in other liabilities | 1,861 | -1,687 |
| Income from bank owned life insurance | 8 | 16 |
| Net cash provided by operating activities | 12,240 | 16,926 |
| Proceeds from sales of securities available for sale | 0 | 227,305 |
| Proceeds from maturities, calls, and principal paydowns on securities available for sale | 11,566 | 28,340 |
| Proceeds from maturities and principal collected on securities held to maturity | 0 | 128 |
| Purchases of fhlbny and frbny stock | 1,267 | 10,322 |
| Redemption of fhlbny and frbny stock | 2,569 | 12,613 |
| Proceeds from sales of fixed assets | 23 | 1,300 |
| Purchases of premises and equipment | 400 | 688 |
| Proceeds from sale of other real estate owned | 0 | 347 |
| Net increase in loans | 70,026 | 61,955 |
| Net cash provided by (used in) investing activities | -57,535 | 197,068 |
| Net increase in demand, interest-bearing demand, savings, and insured money market deposits | 23,189 | 77,521 |
| Net (decrease) in time deposits | -133,635 | -5,442 |
| Net increase (decrease) in fhlbny advances | -55,000 | -54,110 |
| Increases in (payments on) finance leases | 86 | 163 |
| Proceeds from subordinated debt issuance | 0 | 45,000 |
| Payment of subordinated debt issuance costs | 170 | 858 |
| Purchase of treasury stock | 11 | 90 |
| Sale of treasury stock | 233 | 229 |
| Cash dividends paid | 1,630 | 3,065 |
| Net cash (used in) provided by financing activities | -167,110 | 59,022 |
| Net increase in cash and cash equivalents | -212,405 | 273,016 |
| Cash and cash equivalents at beginning of period | 47,035 | - |
| Cash and cash equivalents at end of period | 107,646 | - |
CHEMUNG FINANCIAL CORP (CHMG)
CHEMUNG FINANCIAL CORP (CHMG)